How payment fees work
Most card and wallet processors charge a percent of the charge plus a fixed fee per successful payment.
Your net payout is: gross − (gross × percent) − fixed − (gross × extra%).
This tool is an educational estimate — not official Stripe, PayPal, or bank advice. Always check your live pricing.
Ten tools on this page
- Stripe-style — percent + fixed (+ optional intl/FX).
- PayPal-style — same structure with common PayPal-like defaults.
- Custom fees — any percent + fixed + optional second percent.
- Invoice to net — reverse solve the gross you must charge to keep a target net.
- Compare A vs B — same charge, two fee stacks; see who nets more.
- Intl surcharge — domestic vs +intl % fee drag on one charge.
- Monthly fees — volume × % + txns × fixed.
- Max fee % — (gross - target net - fixed) / gross.
- All-in % — (amount x % + fixed) / amount.
- Volume save — volume x (high% - low%).
Rules of thumb
- Domestic online card fees often land near 2.7–3.0% + a small fixed fee.
- International cards and currency conversion can add 1%+.
- Small ticket sizes make the fixed fee dominate effective fee %.
- If you need to clear a fixed net (rent, payroll, product cost), use Invoice to net.
- Marketplace platforms may stack their cut on top of card processing.
Popular searches this tool answers
- Stripe fee calculator net payout
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- How much to charge to get $X after fees
- Effective payment processing fee percentage
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FAQ
How do I calculate net payout after Stripe fees?
Net ≈ gross − (gross × rate%) − fixed fee. Add any international or FX percent on top. Use the Stripe-style tab and edit the numbers to match your dashboard.
Why is my effective fee % higher than 2.9%?
The fixed fee (for example $0.30) is a larger share of small charges. A $10 charge at 2.9% + $0.30 is effectively about 5.9%.
How much should I invoice to keep a target net?
Use the Invoice to net tab. With percent p and fixed f, gross = (target net + f) / (1 − p) when p is a decimal total percent.
Is this official processor pricing?
No. Rates vary by country, plan, card brand, and product. This is a private browser estimator for planning quotes and invoices.
Is my data private?
Yes. All math runs in your browser. Nothing is uploaded to a server.
How do I get net X after card fees?
Use the reverse tool: target net, fee percent, and fixed fee. It solves the charge amount so you keep about X after fees.
Are Stripe or PayPal rates guaranteed here?
No. Defaults are illustrations. Paste your actual contract rates — cards, countries, and plans change pricing.
What is an effective fee rate?
Effective rate is total fees divided by charge amount. A 2.9% + $0.30 fee is higher than 2.9% on small charges — the calculator shows that blended percent.
Do international cards cost more?
Often yes. Many processors add cross-border or currency conversion fees. Raise the percent input when modeling foreign cards.
How do I price a product so I keep a round net amount?
Use reverse charge: enter the net you want plus your fee percent and fixed fee. The tool solves the customer charge to aim for.
Do subscription processors use the same fee math?
Often similar percent + fixed per charge, sometimes with extra per-invoice fees. Add any extras into the fixed or percent fields to match your contract.